Question
Dave has an HO-3 policy to insure his home, personal property and lability. He shares his home with his ten year-old son, James. For each
Dave has an HO-3 policy to insure his home, personal property and lability. He shares his home with his ten year-old son, James. For each of these situations explain whether coverage would be provided under Coverage E Personal Liability, Coverage F Medical Payments to Others, or Section II Additional Coverages (such as Claim Expense, First Aid Expenses, Damage to Property of Others, or Loss Assessment). a. The familys one year-old German Shephard, which often escapes form its enclosure, ran into their neighbors yard and attacked their neighbors three-year-old daughter. She suffered serious bite wounds on her face and arms. (1 point) b. James invited his friend Timmy to their home to play catch under Daves supervision. Timmy tossed the ball straight up, intending to catch it. However, the ball hit Timmy in the face, breaking his glasses and cutting his cheek. Dave used a bandage and an ice pack from his first-aid kit to treat Timmys injuries and then called Timmys parents. Timmys cut required stitches and resulted in $700 in medical expense. (1 point) c. Dave was required to join a homeowners association when he bought his home. The association owns a clubhouse. A guest at the clubhouse became permanently disabled after he fell down the stairs. The loss settlement for the claim exceeded the liability limit of the associations policy, so each member was assessed $5,000. (1 point) d. Dave borrowed his brothers golf cart for a weekend golf tournament. While his friend Sam was riding in the cart, Dave stopped the cart on a hill and jumped out. However, he failed to properly set the parking brake. The cart rolled down the hill hitting a tree, damaging the cart. Sam jumped out of the cart before it hit the tree but hurt his shoulder when he hit the ground. His shoulder required medical attention. His emergency room bill was $300. Sam is only seeking reimbursement of his medical bills. (2 points
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